Get personal loan offers from TD Bank and other great lenders. It takes just two minutes and will not affect you credit score.
Get StartedLoan amount
$2,000 – $25,000
Min. credit score
700
APR from
6.99% – 18.99%
Funds available in
As soon as one business day
Here's a breakdown of some of the benefits and drawbacks of TD Bank personal loans.
One of the 10 largest banks in America, TD Bank maintains about 1,100 locations throughout the Northeast, Mid-Atlantic, Washington D.C., North Carolina, South Carolina and Florida. In addition to offering unsecured personal loans, TD Bank financial products include checking and savings accounts, credit cards, home equity lines and loans and mortgages.
Known for offering fast, same-day approvals on its TD Fit Loan, this bank is a good choice for those seeking an expedited process to access a personal loan.
TD Bank Fit Loans come with a fixed interest rate, which is helpful if you’re seeking predictable monthly payments. With loan funds available in as little as one business day, TD Bank can be an appealing option if you need cash quickly.
Asside from these strengths, TD Bank won the 2022 Bankrate Award for best personal loan from a bank. It received the highest Bankrate Score of bank lenders and has the online resources borrowers need and want.
| Loan amount | $2,000 – $25,000 |
| APR | 6.99% – 18.99% |
| Minimum credit score | 700 |
| Time to receive funds | As soon as one business day |
TD Bank’s fixed-rate, unsecured personal loans range from $2,000 to $50,000 and offer APRs of 6.99 percent to 19.99 percent. Terms of 36 to 60 months are available. Borrowers may receive funds in as little as one business day.
TD Bank keeps fees for its loans to a minimum. It doesn’t charge an origination fee, application fee, monthly fee, annual fee or prepayment fee. However, loans come with a late payment fee that’s 5 percent of the minimum payment due or $10, whichever is less. In addition, Florida residents will pay a document stamp fee.
You can apply for an unsecured loan on the bank’s website. TD Bank claims that consumers can get initial approval in as little as a minute and have their funds as soon as the next business day.
To complete the loan application, you’ll need basic personal information and the following additional information:
Before settling on a lender, it’s a good idea to explore multiple options. You may find a lower rate or better terms from another lender. When shopping, make sure to compare personal loan rates based on your specific needs, including loan amount, credit score, location, income and loan purpose.
| Bankrate Score | 4.9 | Scoring factors |
|---|---|---|
| Availability | 4.8 | Quick, same-day approval and funding in as little as one business day |
| Affordability | 4.8 | Very few fees charged overall and low 6.99% APR |
| Customer experience | 5.0 | 24/7 customer support, highly rated mobile apps and online access and application |
Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.